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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Arrow claimform - old Lost/disputed Vanquis Card Debt


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I have received a Claim form from Northampton court for an alledged debt which has been disputed due to stolen / lost credit card for appx £ 500 plus costs.

I have acknowledges service and said i will defend

Any help would be appreciated, it is the usual case of lots of telephone calls some time ago..we want your money..I dont owe it.. yes you do,, no help at all.

When i defend if i lose am i liable for costs, and if so how much is it likely to be

I have never had an assignment and i dont remember a default notice..what is the position on stolen cards and yes it was reported to the police along with other cards...only a problem with vanquis

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Of that balance what would the stolen / lost amount equate to?

 

Regards

 

Andy

We could do with some help from you.

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Ok if you could provide details of their Claim verbatim ...the time frame is as follows:-

 

You have 33 days in total subject to how you intend to plea.(5 deemed served so 28) 14 to Acknowledge service and if defending a further 14 days to submit your defence.

 

Are you in possession of all the relevant paperwork connected to this claim?

 

Regards

 

Andy

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So you have already submitted your defence ?

We could do with some help from you.

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And you have a crime number from the Police?

We could do with some help from you.

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Excellent ...well your defence submitted is lacking CPR compliance and they may try to make application to strike out without merit.You may need to amend your defence or if accepted you will particularise further within your WS.

You will recieve conformation shortly that your defence was submitted to the claimant awaiting a response so lets rest until that happens.

 

In the meantime you need to gather information...CPR31.14 (if anything referred to in the PoC hence I asked you to type out verbatim) CPR 18 if not referred to and a section 78 request for a copy of the agreement.

 

Regards

 

Andy

We could do with some help from you.

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Received this morning from court

"I acknowledgs receipt of your defence. A copy is being served on the claimant (or the claimants solicitor).The claimant may contact you direct to attempt to resolve any dispute. If the dispute cannot be resolved informally, the claimant will inform the court that he wishes to proceed. the court will then inform you of what will happen.

Where he wishes to proceed, the cliamant must contact the court within 28 days after receiving a copy of your defence. After that period has elapsed, the claim will be stayed. The only action the claimant can then take will be to apply to a judge for an order lifting the stay"

 

I wait with interest your comments

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Standard automated response.At least they have accepted your defence at Northampton.

 

Andy

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Well the norm is pre defence but yes you can...CPR 31.14 for any document mentioned in their particulars and CPR 18 for anything not .....that needs further explanation (not Documents)

We could do with some help from you.

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  • 4 weeks later...

Letter received today

"We are the claimant in this matter

we refer to the above and your defence dated 17th march the contents of which are noted

We enclose notice of change of solicitor by way of service on you,ans the claim is now being dealt with by our specialist in house litigation team. Please therefore ensure that all future correspondence is sent to us ditectly at the address below quoting reference number

We note your defence is based on the grounds of fraud.

Arrow Global takes all disputes seriously and (UNless satisfied that you are able to do so) requires thatdetails are provided on the attached fraud form.This allows internal investigation proceesures to commence with a view to resolving any dispute.I that regards we would be obliged if you cound use the form on the reverse of this letter to provide full details of the alleged fraud along with a crime reference number.

we can confirm thet the claim is in relation to a Vanquis Credit Card htaken our 1 5 2008. Persuant to the account information provided by the originating creditor on assignment, the last payment credited to the account was for £30 on 3/8/2010 copy documentation has been requested and will be forwardedto you on receipt.

Arrow Global Guernsey Limited acquired the account on 20th February 10212 and notice of assignment was ent to you on or about 13th March 2012 pursuant to the law of property act 1925

 

FORM N434 attached

my solicitor Shoosmiths, the Lakes Northampton haseased to act for me and i shall now be acting in person

 

B) have been nstructed to act on behalf of the "XXXXXXXXXX" all crossed out

 

C) we have served notice of this change on every party to the claim XXXXXXXXXX

 

Address to shich documents about this claim shouls be sent

Arrow Global Manchester

 

signed ???? Claimant XXXXXX position held Litigation executive

 

dated 15/4 2013 the court office 4th Floor st katherines house Northampton is open between 10am and 4 pm Monday to Friday etc

 

then an attaced Arrow Global Fraud claim form

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So simply complete their form and state the Police Crime Reference number....as for the change in Solicitors thats the norm for Arrow as soon as anyone submits a defence.

We could do with some help from you.

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  • 2 weeks later...

Receive notice of a defence filed from Northampton Court.

Allocation questionaire to complete by 13th May

However I still do not have the documents I requested, and Arrow Global promised, see letter above ?

what is the best action I really need the last few statements in order to properly defend,

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Standard response BL and the AQ signifies that the claimant is proceeding.

 

Andy

We could do with some help from you.

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If CPR fails and you have not already requested a DSAR from the OC you can again request at AQ or Standard Disclosure.

We could do with some help from you.

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  • 4 months later...

This is due in court 20th September...i have to produce documents 14 days before the hearing...i received 2 days ago a digital signed copy of the agreement terms and conditions NPTA09 (is this year 09) a the card was taken out in 2008 ?

I received just this morning a letter and Transaction log...not the statements i asked for....

I have since fould the crime ref no after hours of searching as vanquis/ representatives had not provided me with it althoug i have correspondance in relationto thi and it was also given to the on the day the poss was reported... i receievd a letter 6th july 2010 asking for a form to be filled in regarding fraud...this was returned 13th July complete with the crime ref no.

 

the letter received today " in relation to a fraud,customer complained in 2010 in relation to fraud.Cutomer advised they were disputing a particular transactionbut customer was found liable for this transaction in October 2010 aa the customer had advised vanquis that they had had their PIn to thier vanquis card writtn down and had this in her bag....(RUBBISH)...As erp T&C's customer should not make her Pin number known to any third parties, a liability letter was issued to the customer (REALLY)..to adviuse of this.Wehave had numerous conversations with the customer in relation to charges on the account (Customer refused to pay they deespite being late with minimum payments etc." LOAD OF TOSH

 

We not believe (YES SPELT THIS WAY) that you have a legitimate defence to the claim.

 

I must deliver by hand now this information to the court, as I have no time to respond to Arrow Global by tomorrow due to them hoi;ding important papers up till the very last minuite

 

What should i tell the court and arrow global i intend to fight this all the way

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Is this in preparation for your trial bundle Bnradford ?Have you already done Standard Disclosure (N265) ?

 

Regards

 

Andy

We could do with some help from you.

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